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Best CD rates in Panama City, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–13 results in Panama City, FL
- Champions First Credit UnionPromotional CertificatesCD · 21 months · $10,000 min
Credit union · 1 branch
4.30%APY$765 over 21 months on $10,000intro rateRequirements
Product: Minimum balance to open a 4.00% APY 9-month promotional certificate of deposit is $1,000. Minimum balance to open a 4.30% APY 21-month promotional certificate of deposit is $10,000. Early withdrawals will be subject to a substantial penalty and any fees could reduce earnings on the account. After maturity, if rolled over, interest is earned according to the CD Dividend and Interest Rate Schedule. Limited-time offer.
Offer: Limited-time offer. Early withdrawals subject to substantial penalty. Rollover at maturity earns standard schedule rates.
Promotional rate · 4.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - Innovations Financial Credit UnionCompounding Share CertificatesCD · 8 months · $1,000 min
Credit union · 2 branches
4.00%APY$265 over 8 months on $10,000Requirements
Product: Rates shown for Share Certificate accounts are accurate as of 10/15/2026. Early withdrawal penalties apply.
Offer: Dividends compounded and credited monthly; early withdrawal penalty applies.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
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More details - Innovations Financial Credit UnionNon-Compounding Share CertificatesCD · 8 months · $1,000 min
Credit union · 2 branches
3.93%APY$260 over 8 months on $10,000Requirements
Product: Rates shown for Share Certificate accounts are accurate as of 10/15/2026. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
3.93% interest rate · Effective Oct 15, 2026
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More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
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More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).
Offer: 20-day grace period upon maturity.
3.68% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - 3.75%APY$375 over 1 year on $10,000
3.69% interest rate
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More details - 3.62%APY$179 over 6 months on $10,000
Requirements
Product: Minimum balance of $250 required. Penalty for early withdrawal applies.
Offer: Penalty for early withdrawal applies.
3.56% interest rate · Effective Mar 1, 2025
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More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Membership required. Penalty may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity. Additional deposits are not allowed after opening.
3.20% interest rate · Effective Jan 6, 2026
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More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Early withdrawal penalty may be assessed for early maturity and varies based on term.
3.20% interest rate · Effective Jan 28, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Panama City, FL
98 CDs at 10 banks and credit unions · checked Oct 15–22
- Typical
- 3.01%
- Top 10% from
- 3.87%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.25%
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Panama City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 8 branches
- Champions First Credit UnionCredit union · 1 branch
- Community South Credit UnionCredit union · 2 branches